Ohio self employed health insurance plans are very affordable and are offered by all of the major health insurance companies. Starting or maintaining your own business doesn't mean that you have to take the risk of being uninsured. Ohio health insurance for the self employed consists of low cost catastrophic, comprehensive or HSA plans.
Ohio features some of the lowest health care costs in the US. Whether you are single, married with children, uninsured or on Cobra, we'll research and find the plans that will fit within your budget. We'll also inform you which recent health care reform changes will benefit small businesses. Ohioquotes.com is the premier resource for finding Ohio health insurance plans for the self employed. We have designed this website so you can easily view, compare and even apply for coverage online.
One of the most popular plans for self employed individuals and families is a Health Savings Account (HSA). HSAs are designed to help save for future qualified medical and retiree health expenses on a tax-free basis. Plans are available from most Ohio health insurers, such as Anthem Blue Cross, Aetna, Medical Mutual, UnitedHealthcare, Celtic and Assurant. Premiums are usually quite lower than Cobra health insurance rates. Typically, Anthem, Medical Mutual and UnitedHealthcare will offer the most competitive rates.
To open an HSA, you must have a qualified “High Deductible Health Plan” (HDHP), which is a type of medical plan that has a higher deductible than a typical health insurance policy. The HSA itself is a savings account that allows you to contribute funds on a tax-preferred basis. Qualified deductible expenses can also include dental and vision costs. Any funds not used during the year, can be rolled over to the following year without a penalty.
Reducing the cost of Ohio self-employed health insurance can be accomplished in many ways. Increasing your major medical deductible can reduce premiums by 30% or more. With many policies, office visits and prescriptions are not subject to a deductible, and therefore, would not be affected. If you rarely use office visit and prescription coverages, placing a deductible on these benefits could substantially reduce your premium. Of course, preventive coverages are not subject to a deductible.
Comparing several policies is always advisable. Every Ohio health insurance company bases their self-employed rates on various factors, including smoking status, health, and the county where you live. You will be able to obtain more affordable health coverage by considering more than one plan.
Health insurance can be molded and shaped to meet specific needs. Each situation is different, and our job is to research, evaluate and recommend the most suitable plan. Please feel free to click on the "Get Instant Quote" button at the top of this page to view your options. And of course, you can call us anytime at (888) 513 6446. We're located here in Ohio, just like you! And your personal information is never shared with any other company or person.
Ohio HSA Plans
